Best phantom thief: a look at the license plate number, owners of credit funds were missing-crime, credit cards, credit reporting-IT information

IT information this year, if the thieves do not high-tech, said he is not a thief, I'm afraid going out will be sneered at. Burglar caught the final out, after all, the a lot of motive also made netizens laugh, but high-tech thieves like this, just look at the Regal plate, adjustable travel report can be stolen credit card funds, which it is still hard to guard against high-tech crime.

Cases of credit card cash in a license plate number is happening.

According to a report in the people's Court, one day in April 2014, wandering in the bailuzhou road, Xiamen, Zhang Jincheng saw a luxury Bentley car brands the mantissa is 666. "On owners of luxury cars, will have higher credit card"--the thought on Zhang Jincheng mind suddenly flashed, he subconsciously remembered the license plate number.

Next, he conducted a series of serial action was seamless.

1, Zhang Jincheng in the query owner information found on the Internet of a specialized gang of QQ, spent 100 Yuan to buy the owner of the Bentley name, identity card number and other information, found owners called "Andy Gong".

2, he spent 150 Yuan on the site looking for small retailers, purchased Andy Gong credit information reports , this report shows Andy Gong name has a credit line is 200,000-yuan credit cards.

3, according to the information card repayment period of 18 days, Zhang Jincheng judge that credit card issuers should be a commercial bank, he then called the xingke phone, identity card number cardholder customer service, pretending to ask if their credit card debts, answer customer service verifies that the card belongs to the Bank's credit card judgment.

4, credit card number, then is also easy to obtain. Zhang Jincheng made up an excuse, "I want to pay but no card, the card number please help me"-the xingke served in a simple inquiry to say the card number.

5, the identity of the cardholder information, credit card number, contact phone, Zhang Jincheng, Wu Shengnan lianban Amoy Street for making fake certificates officers false identification cards, Zhang Jincheng to handle a name, identity card number is "Andy Gong", but has his own avatar identities.

6, how to get "Andy Gong" credit card is the next key. First of all, the couple holding the "Andy Gong" fake ID lost Andy Gong's cell phone card, replacement new phone card. Then, Zhang Jincheng uses the SIM card contact customer service personnel, credit card address, tied up the phone had been changed. Finally, Zhang Jincheng and then called the loss a replacement credit card. While the new credit card processing after the Bank notified by text message to the chapter on Jincheng changed cell phone number, so the real cardholder Andy Gong do not know their credit card has been lost, and taken a new replacement card.

7, Zhang Jincheng to Andy Gong after applying for new credit cards on behalf of 20 days, they got his wish to get the credit for 200,000 yuan credit cards. Worth mentioning is that there are 300,000 credit card accounts.

8, the couple found a convenience store, and the owners negotiated price, POS machine is used for the funding of illegal cash.

Tasted the sweetness couples motivated by financial gain, and fantasy to such means to continue the crime. They found some prime residential mailbox management does not strictly, a little prying will be able to open the message box to get the owners and many bank credit cards for mail delivery to the cardholder.

In this way, two people easily get more than 10 banks mailed to cardholder's credit card. They are Goo, adopting Internet purchasing card credit information, handling of false identity cards, to business loss cell phone number, to the issuing bank for a replacement credit card.

From April 2014 to July, Zhang Jincheng, Wu Shengnan common to such modus operandi of 5 personal credit card the total amount of RMB more than 570,000 yuan.

Zhang Jincheng was born in a well-to-do family in Xiangshan County, Ningbo city, Zhejiang Province, and graduated from the Law Department of Northwestern University, worked for a well-known law firm in Zhejiang province. Wu Shengnan is a small girl, and graduated from the Law Department of Northwestern University, who worked at a State-owned enterprise in Ningbo as forensic work.

In 2007, after Zhang Jincheng accidental trip to Macao, then dip Casino, quandary, it is difficult to extricate themselves. In just two years, Zhang Jincheng lost after graduation, nearly a million of savings, borrowed 3 million or 4 million yuan from relatives and friends, in debt. Under the huge debt vulnerability, he and Wu Sheng men married their house sold. Also in 14 banks to apply for a credit line of 15 credit cards ranging from 50,000 yuan to 200,000 yuan. Zhang Jincheng premonition of card-issuing banks will soon be reported to the police, to be thrown into jail. Accordingly, he began life as a fugitive and his wife ... ... However, the sticky things sooner or later.

April 2016, the Xiamen City intermediate people's Court in closed session in accordance with law the second trial heard Zhang Jincheng, Wu Sheng men credit card fraud case. Eventually, the Court affirmed the judgment of first instance in the present case, to commit credit card fraud, sentenced defendant Zhang Jincheng Wu Shengnan sentenced to 13 years and six years ' imprisonment and a corresponding fine.

最牛怪盗：只看一眼车牌号，车主信用卡资金不翼而飞 - 犯罪,信用卡,征信报告 - IT资讯

IT资讯讯 现在这年头，如果盗贼不会点高科技，出门说自己是盗贼恐怕也会让人耻笑。毕竟笨贼被逮最终道出的不少作案动机也让网友忍俊不禁，不过像这种高科技盗贼，只需要看一下富豪的车牌号，调出征信报告就能将其信用卡资金盗走，这种高科技犯罪确实仍然难以防范。

一个车牌号引发的信用卡套现案件是这样发生的。

据《人民法院报》报道，2014年4月的一天，在厦门白鹭洲路边闲逛，章锦城看见了一部车牌号尾数为666的豪华宾利车。“开豪车的车主，一定会有高额信用卡”——这个念头在章锦城脑海突然闪现，他下意识地记住了这个车牌号。

接下来，他进行了一系列堪称天衣无缝的连环动作。

1、章锦城在网络上找到一个专门帮人查询车主信息的QQ，花了100元买到该宾利车的车主姓名、身份证号码等信息，发现车主叫“龚继安”。

2、他又花了150元在网站上找不法商贩购买了龚继安的征信信息报告，这份报告显示龚继安名下有一张授信额度为20万元的信用卡。

3、根据该卡还款周期是18天的信息，章锦城据此判断这张信用卡的发卡行应该是某商业银行，他随后便拨打该行客服电话，把卡主身份证号报给客服，假装询问自己的信用卡是否欠款，客服的回答验证了该卡属于该行信用卡的判断。

4、信用卡卡号随后也是轻而易举获得。章锦城编了个理由，“我要还款但没有带卡，请你帮忙报下我的卡号”——该行客服在简单询问后向其说出了卡号。

5、有了卡主的身份信息、信用卡卡号、联系电话后，章锦城、吴胜男到厦门莲坂街头找制作假证人员办理虚假身份证，章锦城办理了一张姓名、身份证号均为“龚继安”，但有他自己头像的身份。

6、如何拿到“龚继安”的信用卡是下一步的关键。首先，夫妻二人持着“龚继安”的假身份证挂失了龚继安的手机卡，补办出新的手机卡。然后，章锦城使用该手机卡联系银行客服人员，把卡主信用卡的联系地址、捆绑电话等都进行了变更。最后，章锦城再打电话要求挂失补办信用卡。当新信用卡办理出来后，银行通过短信通知到章锦城更改过的手机号码上，这样真正的卡主龚继安并不知道自己的信用卡已经被挂失，并被人拿走新补办的卡。

7、就在章锦城以龚继安的名义申请补办新信用卡20天后，他们如愿以偿地拿到了这张授信额度为20万元的信用卡。值得一提的是，这张信用卡上还有30万元存款。

8、夫妻二人找了家便利店，与店主谈妥价格后，用POS机对卡内资金进行了非法套现。

尝到甜头的夫妻二人利欲熏心，于是，幻想着还能以这样的手段继续作案。他们发现一些高档住宅区的信箱管理并不严格，稍微一撬就能打开信箱拿到业主的邮件，而不少银行的信用卡都以邮寄的方式交付给卡主。

就这样，两人又轻而易举地拿到了十几家银行寄给卡主的多张信用卡。他们故技重施，采用上网购买卡主征信信息，办理虚假身份证，到营业厅挂失手机号码，到发卡银行补办信用卡。

从2014年4月到7月，章锦城、吴胜男共同以上述方式作案5起，套取他人信用卡内金额共计人民币57万余元。

章锦城出生在浙江省宁波市象山县一个小康之家，毕业于西北政法大学法律系，曾就职于浙江省一家知名的律师事务所。吴胜男是小师妹，也毕业于西北政法大学法律系，曾就职于宁波一家国企担任法务工作。

2007年，章锦城偶然的一次澳门之旅后，从此浸染赌场，泥足深陷，难以自拔。短短两年间，章锦城输光了毕业后近百万元的积蓄，向亲戚朋友也借了三四百万元，债台高筑。在巨大的债务漏洞之下，他甚至把自己和吴胜男的婚房都卖了。还先后在14家银行申请办理了信用额度5万元到20万元不等的15张信用卡。章锦城预感发卡银行很快会向公安机关报案，即将身陷囹圄。因此，他携妻子开始了逃亡生涯……然而，东窗事发是迟早的事情。

2016年4月，厦门市中级人民法院依法公开开庭二审审理了章锦城、吴胜男信用卡诈骗一案。最终，法院维持本案一审判决，以犯信用卡诈骗罪，分别判处被告人章锦城、吴胜男有期徒刑十三年、有期徒刑六年，并处相应罚金。